subject: If You Are Battling To Make Ends Meet, Inquire About Low Income Car Insurance [print this page] If you are one of the millions of people struggling to make ends meet each month, find out if your state offers a low income car insurance program. One state that has such a program in place is California. The project came into being when it was established that more than 20,000 drivers in the state carried no insurance whatsoever.
This statistic was alarming because these drivers were not only putting themselves at risk, but other people as well. To qualify for the program, every driver has to meet with certain criteria. He or she must be earning an annual income of less than $25,525. They must be 19 years of age, or older, and in possession of a valid driver's license for at least 3 years.
Furthermore, the applicant has to have a good driving record. To fall into the 'good driver' category, you can have only one 'at-fault' accident and one traffic violation in the past three years. If these requirements are met, the successful applicant is also offered a monthly payment plan.
If your state does not have a similar program, don't worry because there are other ways to obtain insurance that you can afford. The best place to do this is on the internet. Finding the right company is the key. You are more likely to get an affordable policy if you deal with a small insurance company. Better still, a one-man show.
An insurance consultant who is self-employed has nowhere near the huge monthly overheads and advertising expenses carried by large companies. This means he or she is able to offer no-frills, no-fuss rates to low income clients. Furthermore, there is no commission payable to an agent. This saving can be passed on to the client.
Another way of cutting your auto insurance costs is to add your vehicle to a family member's policy. In many cases, insuring two vehicles often costs the same as insuring one. The two of you can then share the cost. To further reduce the expense, try and pay for the policy upfront. Do this even if it's for three months at a time. You will cut out the substantial fees that are attached to monthly schemes.
Finally, you can obtain low income car insurance by consolidating your auto insurance with your household policy. Speak to a consultant from the company and weigh up the options. Insurance often costs a lot less when everything is covered under one umbrella.
by: Lance Thorington
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